Toyota RAV4 Hybrid Insurance Rates

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UPDATED: Apr 15, 2024

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Average insurance rates for a Toyota RAV4 Hybrid are $1,198 a year with full coverage. Comprehensive costs around $250 each year, collision costs $424, and liability coverage costs $388. Buying just liability costs as little as $434 a year, with insurance for high-risk drivers costing around $2,584. Teens receive the highest rates at $4,498 a year or more.

Average premium for full coverage: $1,198

Rate estimates for individual coverage type:

Comprehensive $250
Collision $424
Liability $388

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and RAV4 Hybrid models.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $434 for the bare minimum liability coverage to a high rate of $2,584 for a high-risk insurance policy.

Liability Only $434
Full Coverage $1,198
High Risk $2,584

Price Range by Location

Your location has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $899
Small Cities $1,258
Large Cities $1,617

These examples demonstrate why all drivers should compare rates for a specific zip code and risk profile, rather than using averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

The chart below details estimated Toyota RAV4 Hybrid insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $694
  • Drivers who choose higher $1,000 deductibles will pay about $154 annually
  • The average rate for a 40-year-old driver using $500 deductibles is $1,198
  • Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,492
  • High-risk insureds with serious driving violations could pay at least $2,584 or more
  • The cost for full coverage for a teenage driver can be $4,498 a year

View Chart as Image

Toyota RAV4 Hybrid insurance cost comparison chart
Column chart showing full coverage Toyota RAV4 Hybrid insurance rates range from $694 to $4,498

Auto insurance rates for a Toyota RAV4 Hybrid can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $4,400 a year. View Rates by Age

Where you live makes a big difference in Toyota RAV4 Hybrid insurance rates. A 40-year-old driver could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,610 on average in Florida, Michigan, and New York.

Toyota RAV4 Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,080 -$118 -9.8%
Alaska $916 -$282 -23.5%
Arizona $994 -$204 -17.0%
Arkansas $1,198 -$0 0.0%
California $1,362 $164 13.7%
Colorado $1,140 -$58 -4.8%
Connecticut $1,226 $28 2.3%
Delaware $1,350 $152 12.7%
Florida $1,492 $294 24.5%
Georgia $1,104 -$94 -7.8%
Hawaii $860 -$338 -28.2%
Idaho $810 -$388 -32.4%
Illinois $890 -$308 -25.7%
Indiana $902 -$296 -24.7%
Iowa $806 -$392 -32.7%
Kansas $1,134 -$64 -5.3%
Kentucky $1,630 $432 36.1%
Louisiana $1,770 $572 47.7%
Maine $738 -$460 -38.4%
Maryland $988 -$210 -17.5%
Massachusetts $954 -$244 -20.4%
Michigan $2,076 $878 73.3%
Minnesota $1,000 -$198 -16.5%
Mississippi $1,430 $232 19.4%
Missouri $1,062 -$136 -11.4%
Montana $1,282 $84 7.0%
Nebraska $942 -$256 -21.4%
Nevada $1,434 $236 19.7%
New Hampshire $864 -$334 -27.9%
New Jersey $1,334 $136 11.4%
New Mexico $1,054 -$144 -12.0%
New York $1,258 $60 5.0%
North Carolina $688 -$510 -42.6%
North Dakota $978 -$220 -18.4%
Ohio $824 -$374 -31.2%
Oklahoma $1,226 $28 2.3%
Oregon $1,094 -$104 -8.7%
Pennsylvania $1,140 -$58 -4.8%
Rhode Island $1,592 $394 32.9%
South Carolina $1,084 -$114 -9.5%
South Dakota $1,008 -$190 -15.9%
Tennessee $1,044 -$154 -12.9%
Texas $1,440 $242 20.2%
Utah $884 -$314 -26.2%
Vermont $816 -$382 -31.9%
Virginia $716 -$482 -40.2%
Washington $920 -$278 -23.2%
West Virginia $1,096 -$102 -8.5%
Wisconsin $824 -$374 -31.2%
Wyoming $1,062 -$136 -11.4%

View Chart as Image

Toyota RAV4 Hybrid insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $450 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see how they stack up. Every company calculates rates differently, and quoted rates can be significantly different from one company to the next.

Toyota RAV4 Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota RAV4 Hybrid $320 $542 $332 $1,330
2023 Toyota RAV4 Hybrid $306 $536 $338 $1,316
2022 Toyota RAV4 Hybrid $296 $524 $354 $1,310
2021 Toyota RAV4 Hybrid $286 $502 $364 $1,288
2019 Toyota RAV4 Hybrid $260 $450 $384 $1,230
2018 Toyota RAV4 Hybrid $250 $424 $388 $1,198
2017 Toyota RAV4 Hybrid $240 $380 $390 $1,146

Rates are averaged for all Toyota RAV4 Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Toyota RAV4 Hybrid Insurance

Saving money on auto insurance not only requires being a good driver, but also having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at least every other year by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a brief recap of the car insurance concepts covered in the above illustrations.

  • Drivers who tend to receive serious violations pay an average of $1,390 more every year than a safer driver
  • You may be able to save up to $140 per year simply by quoting online in advance
  • Increasing deductibles can save around $450 each year
  • Consumers who may need an increased level of liability coverage will pay approximately $430 every year to go from a minimum limit to 250/500 limits

Rates by Driver Age

Toyota RAV4 Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $4,498
20 $2,748
30 $1,242
40 $1,198
50 $1,094
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

Toyota RAV4 Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,492
$250 $1,354
$500 $1,198
$1,000 $1,044

Full coverage, driver age 40

Rates by Liability Limit

Toyota RAV4 Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
50/100 $1,276
100/300 $1,373
250/500 $1,625
100 CSL $1,314
300 CSL $1,528
500 CSL $1,683

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota RAV4 Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $6,410
20 $4,376
30 $2,634
40 $2,584
50 $2,464
60 $2,442

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $166

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $86
5-yr Claim Free $77
Paid in Full/EFT $53
Advance Quote $58
Online Quote $85
Total Discounts $504
Rate after discounts $694

Discounts are estimated and may not be available from every company or in every state.

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